Zagadnienie efektywności ochrony ubezpieczeniowej
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Date
1973
Authors
Advisor
Editor
Journal Title
Journal ISSN
Volume Title
Publisher
Wydział Prawa i Administracji UAM
Title alternative
The Problem of Effectiveness of Insurance Protection
Abstract
Effectiveness of insurance protection is widely discussed in professional publications
in Poland and abroad, but the question has not been definitively settled
yet. It seems that insurance indemnification may be treated as natural consequence
resulting from the character of services rendered by an insurance company.
In this situation effectiveness comes into prominence, but the effectiveness should
be measured from the point of the insurant and not the Insurer, because it is
the insurant who learns, in the hard way, of the effectiveness of insurance
protection when there is an insurance case. Both the insurer and the insurant are
interested in the accomplishment of insurance protection as the chief objective,
but that unanimity becomes problematic when partial goals are to be achieved. Therefore effectiveness of insurance protection should be evaluated by the insurant;
measurement of effectiveness done by the insurer is of no use. All attempts
of that kind are only a formalized approximation to realities. It seems that
effectiveness of insurance protection can be defined as relation between indemnification
and the loss provided several conditions that depend upon the insurer
and, first of all, upon the insurant have been fulfilled. An indispensable but insufficient
condition is payment of damages by the insurer in the right amount
and in due time. If these conditions are fulfilled, only potential effectiveness of
insurance protection is secured and it is up to the insurant to make the protection
real. Much depends on how and to what extent he will use the indemnification
to repair the damage, which is dependent upon his initiative, enterprise and professional
qualifications as well as on the availability of the necessary materials
and products in the market and the amount of an additional subvention and loan.
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Digitalizacja i deponowanie archiwalnych zeszytów RPEiS sfinansowane przez MNiSW w ramach realizacji umowy nr 541/P-DUN/2016
Keywords
Citation
Ruch Prawniczy, Ekonomiczny i Socjologiczny 35, 1973, z. 2, s. 79-89